★ Company Profile
North Shore Bank is a community bank, founded in 1923 and headquartered in Brookfield, Wisconsin (15700 West Bluemound Road, Brookfield, WI 53005). The bank provides personal banking, commercial banking, mortgage and wealth management services, and is committed to supporting families, businesses and communities through personalized financial solutions.
★ regulatory information
North Shore Bank, as a federal savings bank, is insured by the Federal Deposit Insurance Corporation (FDIC) and regulated by the Office of the Comptroller of the Currency (OCC) in compliance with federal banking regulations. The FDIC certificate number is 28679 and the bank's routing/ABA number is 275071356 for transactions such as direct deposits and wire transfers (as of 2025 according to FDIC and Wise). The specific OCC regulatory license number is not disclosed, such as "regulated by OCC, license number: XXXXXX". Banks comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements to prevent fraud through customer identity verification and transaction monitoring. The official website declares compliance with data privacy standards, uses cookies for website analysis and fraud protection, and protects customer data through a secure email policy that prohibits the sending of sensitive information (e.g. social security numbers, account numbers) through unsecured channels. No records of penalties or warnings from the OCC, FDIC, or other regulatory agencies have been found. The bank is a guarantor and member of the Securities Transfer Agent Guarantee Program (STAMP) and handles securities-related transactions (up to 2025).
★ Trading ProductsNorth
Shore Bank offers a wide range of banking and financial products, including:
Personal banking products: Checking Accounts (for day-to-day transactions and managing money), Savings Accounts (for short-term savings), Certificates of Deposit (CDs) (which offer higher interest rates for a fixed term), Individual Retirement Accounts (IRAs) (which support long-term retirement savings).
Commercial banking products: Business Checking Account (to support the day-to-day operations of the business), Business Savings Account (for the company's capital reserves), cash management services (such as remote deposit capture, which allows the business to deposit through a scanner).
Loan products: Mortgage Loans (for home purchase), Home Equity Loans (borrowing from the value of your home), car loans, personal loans and business loans to meet diversified financing needs.
Investment services: Wealth management and investment planning through third-party partners, with undisclosed investment products.
Credit & Debit Cards: Visa and Mastercard debit cards are supported, Apple Pay, Google Pay and Samsung Pay are compatible, and contactless payments are available.
The trading category is mainly banking services related to fiat currencies (USD), and does not involve foreign exchange, CFDs or crypto assets. The bank offers more than 55,000 fee-free ATMs through the Allpoint network (by 2025). Specific account fees, transaction limits, or clearing models are provided through branch or online banking services, details are not publicly available (as of 2025).
★ Trading SoftwareNorth
Shore Bank provides the following trading software and service platforms:
Online banking platform: A web-based system that supports account management, bill payment, fund transfers, and e-statements, requires a username and password to log in, and uses encryption technology to ensure security.
Mobile Banking App: Available for iOS and Android platforms, it provides account balance inquiry, mobile deposit (check deposit via device camera), transaction history viewing, and contactless payment (Apple Pay, Google Pay, Samsung Pay). The app is free to download, but requires a data plan and carrier charges may apply.
Phone Banking: 24/7 account enquiries and transfers are available through Easy Access Telephone Banking.
Interactive Teller Machines (ITMs): Some branches support video teller services, providing an interactive counter-like experience and extending service hours.
The software is designed with security and user-friendliness in mind, using cryptography and a virtual token (generating a temporary payment code) to protect payment data. The mobile app supports quick balance viewing (no need to log in to view the last five transactions). No specific technical architecture, server locations, or user interface details were disclosed. User feedback shows that the app's functionality is generally stable, but some users have reported transaction synchronization delays or interface response issues (as of October 9, 2024). Software updates are managed by the bank's in-house team (until 2025).
★ Deposit and withdrawal methodsNorth
Shore Bank supports a variety of deposit and withdrawal methods, including:
Branch counters: 43 branches provide cash deposits, cheque deposits and withdrawals, Some branches support secure deposit boxes to protect customers' valuables.
ATMs: Over 55,000 fee-free ATMs are available through the Allpoint network for cash withdrawals, deposits and balance inquiries. Some ATMs offer contactless functionality and check deposits.
Mobile Deposits: Streamline the deposit process by depositing checks using your device's camera via the mobile banking app and requiring an online bank account.
Electronic Transfers: ACH transfers (Automated Clearing House, electronic check clearing 275071356 processed by routing number) and wire transfers (processed through U.S. banks, which do not have SWIFT codes) are supported.
Debit card payments: Visa and Mastercard debit cards are supported, Apple Pay, Google Pay and Samsung Pay are compatible for store, app or online purchases.
Specific deposit and withdrawal fees, processing times, or minimum amount requirements can be found through branches or customer support. Clearing models include the ACH network and traditional bank clearing systems, and do not involve blockchain technology. User feedback has reported occasional money swallowing or card issues at ATMs, and some customers are unhappy with the account closure fee ($40) (as of October 9, 2024).
★ Customer Support & EmpowermentNorth
Shore Bank supports and empowers clients in the following ways:
Financial Advisory: Branch and telephone support provides account management, loan application and wealth planning advice to assist clients in achieving their financial goals.
Digital tools: Mobile banking apps support e-receipts, bill payments, and quick balance inquiries for customer convenience.
Community Engagement: Strengthen customer relationships through branch events such as the opening of a new branch at Oak Creek and employee recognitions such as Nikki Shelton-Moss' 25-year service award.
★ Core Business & ServicesNorth
Shore Bank's core businesses include:
Personal Banking: providing checking accounts, savings accounts, certificates of deposit, and personal retirement accounts, Supports day-to-day financial management and long-term savings for retail customers.
Commercial Banking: Business Checking Accounts, Business Savings Accounts, Cash Management and Business Loans are available to support the operation and expansion of small and medium-sized enterprises (SMEs) for corporate customers.
Loan Servicing: Mortgage loans, home equity loans, auto loans, personal loans and business loans are available to meet the financing needs of individuals and businesses, including retail and high-net-worth customers.
Wealth Management: Investment planning and retirement planning through third-party partners for high-net-worth clients.
The operating model is a community bank, emphasizing localized and personalized services, and is part of the Hometown Financial Group (including bankESB, bankHometown and Abington Bank). The bank serves customers through 43 branches and digital channels, with a focus on eastern Wisconsin and northern Illinois.
★ Technology FoundationNorth
Shore Bank's technology infrastructure includes:
Online Banking System: A web-based platform that supports account management, bill payment and e-statements, with encryption technology to protect data transmission.
Mobile banking app: Supports iOS and Android, provides mobile deposits, balance inquiries and contactless payments, is compatible with Apple Pay, Google Pay and Samsung Pay, and uses virtual tokens to secure payments.
ATM network: More than 55,000 fee-free ATMs are available through the Allpoint network, some of which support interactive video teller services (ITMs) to improve service efficiency.
Phone Banking System: Provide 24/7 account enquiry and transfer services to enhance customer convenience.
Banks use Cloudflare services to optimize website performance and security and protect user data (by 2025). Specific server architecture, data center locations, or security measures (e.g., multi-factor authentication) are not disclosed. The technology infrastructure is supported by the bank's in-house team and third-party providers such as Cloudflare. User feedback points to occasional transaction sync delays in the app, but overall functionality is stable (as of October 9, 2024). Banks use cookies to collect anonymous data, optimize functionality and prevent fraud, in compliance with data privacy standards (as of 2025).
★ Compliance & Risk Control SystemNorth
Shore Bank's compliance and risk control system includes:
Regulatory Compliance: Regulated by FDIC Insurance (Certificate No. 28679) and OCC, it complies with federal banking regulations, including Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements, ensuring transaction legitimacy.
Data protection: Adopt a secure email policy that prohibits the sending of sensitive information through insecure channels. The website uses cookies for analysis and adheres to data privacy standards, similar to the GDPR.
Fraud Prevention: Top 10 financial security tips to guide customers to protect their account information. The mobile app uses encryption technology and virtual tokens to reduce payment risk.
Risk management: Reduce operational risk with customer authentication, transaction monitoring, and ATM security measures such as anti-fraud training. Branches are equipped with secure deposit boxes to protect customers' assets.
★ Market Positioning & Competitive Advantage
North Shore Bank is positioned as a community bank in Eastern Wisconsin and Northern Illinois, focused on providing personalized financial services. Its competitive advantages include:
Community Roots: Serving the local community since 1923, it has 43 branches that provide face-to-face service and enhance customer trust.
Integrated Services: Providing personal banking, commercial banking, lending and wealth management to meet the needs of retail, corporate and high-net-worth clients.
Technology integration: Modernize services through mobile banking apps and contactless payments such as Apple Pay, while preserving the traditional branch experience.
The target market is residents, small and medium-sized businesses and community organizations in Wisconsin and northern Illinois, with competitors including Wintrust Community Bank, Associated Bank and local credit unions. Customer satisfaction ratings range from 1.7 to 2.3 on Yelp (as of 2025), reflecting some service issues, but branch manager Stephanie Ruiz received the Muskego Chamber of Commerce Ambassador Award, showing community recognition (as of 2025). Market share data is not disclosed.
★ Social Responsibility & ESG
North Shore Bank embodies its social responsibility and ESG (Environmental, Social and Governance) commitments through the following initiatives:
Community Support: Promoting community economic development through small business loans and first-time homebuyer loans through the George Peabody Community Loan Fund (as of 1996).
Employee well-being: Recognize long-serving employees (e.g., Nikki Shelton-Moss, 25 years of service) and improve employee satisfaction (by 2025).
Environmental Initiatives: Specific carbon neutral or sustainable projects are not disclosed, but branch modernizations (e.g., the Oak Creek branch) may feature energy-efficient designs.
★ financial health
North Shore Bank has assets of approximately $2.8 billion (as of December 31, 2023, according to FDIC data). The Bank, which supports its operations through Hometown Financial Group, announced the acquisition of Colonial Federal Savings Bank in 2022 to strengthen its market position (as of September 17, 2022). The specific financing rounds, investors, valuation data, or financial statements (revenue, profit, balance sheet) are not disclosed. Customer feedback shows some account closure fees ($40) and check clearing delays, but the bank is operating in an active state and continues to expand branches (e.g., new branch at Oak Creek, 2025). FDIC insurance and community banking positioning supports its financial stability (up to 2025).
★ Future Roadmap
North Shore Bank's planned activities include:
Branch Expansion: Continue to optimize the branch network, such as the opening of a new branch at Oak Creek, Improved service coverage (by 2025).
Digital Banking Improvements: Enhancements to mobile banking applications, address transaction synchronization delays, and improve user experience by 2025.
Community Engagement: Deepen local impact through loan funds and community events such as the Muskego Chamber of Commerce partnership.
★ Strategic cooperation ecology
North Shore Bank partners with the following entities:
Hometown Financial Group: Parent Company, which includes bankESB, bankHometown and Abington Bank, to support the expansion of services through 2025.
Allpoint Network: More than 55,000 fee-free ATMs are available for enhanced customer convenience.
Payment providers: Partnered with Apple Pay, Google Pay, and Samsung Pay to support contactless payments.
Hometown Mortgage: The bankESB segment provides mortgage services and expands the coverage of loan products.
